Home Insurance

Your home represents years of hard work, saving for it and making it a place you can be proud of because it’s where your loved ones are. 

Now that you’ve made the investment, you need to protect it from everything life has to throw at it!

Texas Homeowners Types of Coverages

See what’s typically covered for people living in Texas.

  • Liability protection – Defends and protects you if a person sues you after being injured on your property or after you damage their property.

  • Personal property coverage – Covers your household items and other personal belongings for fire, theft, or accidental damage.

  • Medical payments to others – Provides coverage if you accidentally cause injury to another person; includes medical expenses resulting from bodily injury caused by an automobile accident.

  • Unlimited fire protection (UF) – Provides coverage if you have a covered peril at any time during the policy term or after it expires; also provides up to $200,000 in hazard mitigation assistance per claim.

  • Other structures – Protects the physical structure of buildings on your property separate from your home, such as a detached garage.

What factors go into determining a homeowners insurance rate?

While the average cost of homeowners insurance varies based on several components, these are common factors that insurance companies use to assess risk and determine your rate:

  • Liability coverage: Protects you against lawsuits over injuries or property damage, even if the injury or damages are your fault.

  • Coverage for additional living expense (ALE): If a covered peril forces you to live elsewhere while repairs are being made on your home, this protects you from paying rent and other expenses associated with your temporary housing

  • Replacement cost vs. actual cash value: Replacement Cost Coverage is like an extended warranty that will replace your damaged items at their current value rather than their depreciated amount. It may not be necessary for homes that have been well maintained by homeowners during the lifespan of its policies but can provide peace of mind when catastrophic events occur, such as hail storms.

  • Age of your home: Older homes are more likely to have problems with water damage, mold, and wood rot.

  • Coverage for contents: Contents coverage is meant to protect your belongings in the event of a covered peril such as fire or theft. Most policies offer replacement cost protection on certain items that will be replaced at current value rather than depreciated but may not cover things like jewelry that you should insure separately.

Stay safe and secure at home

Northwest Insurance Agency provides homeowners insurance in Texas with coverage options tailored specifically for your needs and budget. Our goal is simple – we want to help keep what matters most safe from harm by providing quality protection backed by our dedication as an independent agency. We’re here when you need us most because we live in the same communities as our clients – the ones we serve every day are friends, neighbors, or family members who could quickly become our next policyholder!

Our agency is family-owned with over 50 years of experience in the industry. We know how important it is to protect your home and personal belongings, which is why our agents will help you find the best coverage at affordable rates. Call us today at 214-352-5656 to learn more about our plans and quotes.


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